The exact condo insurance coverage you need with the service you deserve
Condo associations typically have a master policy to cover the building structure and common areas. They do not, however, usually provide coverage for your unit, personal property, or liability. While this is the most common requirement, it can vary from association to association. Utilizing an experienced insurance agent can save you thousands down the road. Contact us or request quotes to get started.
Coverage Options
- Liability Coverage
- Medical Payments Coverage
- Personal Injury Coverage
- Personal Property Coverage
- Fine Art Coverage
- Jewelry Coverage
- And More
What is the Difference Between Condo Insurance and Home Insurance?
The main difference between condo and home insurance is the amount of coverage for damage to the structure. Condos typically have homeowner associations which insure the structure, so the amount of coverage needed by the unit owner is less. Many condo associations cover everything up to the interior walls. This means the unit owner is responsible for everything from their walls in, like interior drywall, appliances, and so on.
The coverage provided by homeowner associations can vary, so it’s important to review what’s provided with an insurance professional. That way, you won’t be left with a gap in coverage.